I would give Citibank and in particular Citicard even higher than 5 stars if I could. They are that good. I purchased an large, inflatable swimming pool for the backyard in May 2020, hoping , as many people did, that we could use it as an anitdote to the general restrictions of the Covid-19 pandemic. The seller turned out to be in China (although that's not always a bad thing), and this wasn't apparent from their website. When I finally received their product (which I suspect took so long because they didn't manufacture it or buy it from the manufacturer until I bought it), it was the wrong size (smaller). A few months later, after wrangling with the seller online (to no avail) and with PayPal (lots of promises of help, but ultimately no help in getting a refund), I contacted Citicard ... and received lots of help, good, professional help. I submitted the requested documentation online (easy with their online systems), was issued a provisional refund after review, and waited for the seller to respond to them. The seller essentially refused the return shipment, then lied and said they hadn't received it. Citicard told me my claim was denied and the refund cancelled, but offered me a chance to submit additional supporting documentation regarding the return shipment, which I did. After a review of the additional documentation, they reinstated the provisional refund, contacted the seller and must have said, essentially, "How do you explain this?" One month later, the provisional refund became permanent. When no one else will help you and you're about to see over $600 go down the drain, having Citicard on your side is a lifesaver. When their webpages say, "How can we help?" it's not just an advertising slogan. They helped when no one else would. read more

Received offer of CITI CUSTOM CASH CARD WITH 12months no interest with balance transfer, okay signed up Jan. 2024. Card had a $5000 credit limit. Feb 2026 lost card due to 2 patrons @ outdoor restaurant fighting and tipping 3 high-top tables against railing causing items on table to tip against outer railing and fall onto edge of OHIO River. 1 clutch purse & wallet found 3 credit cards fell into river. Card replaced 1 week later with a minimal credit limit of $810. Took until today to get straight answer and they stated credit score low. Current score is 721 thru Experian Boost!!!!!!!!!!!!!! Many family/friends told me tell "CITI to take a long walk off a short pier"!! Okay I admit the terms looked good at the time. Should have checked YELP. What is it they say "live & learn". Will tell you their customer/call center is out of the country and of the 5 people I spoke with only 2 fairly easy to understand. My bank offered a loan without interest for 12 months to payoff & drop CITI ASAP TA DA !!!!!!! read more

Received the sales pitch on the American airlines flight of 0% balance transfers and all the other perks. Signed up for the card, transfer a balance. Now I pay interest on all purchases even when I pay them off each month because I have a 0% balance . Makes no sense at all. Took over four customer service phone calls to have someone actually explain this to me. read more

I am having to write this review here because CITI CARD BANK does not have anywhere to write a public review about them. On October 28,2025 I purchased some jewelry while on a cruise from Joyas Caribe in Cozumel Mexico. When I got back I doubted it is fake and it sure was! I took it to Tappers Jewelry and got it inspected by a professional and he wrote me a letter proofing it is fake. I contacted Citi Card and sent them all the documents and proofs to prove it is fake and to prove that I sent back the items to Mexico and got nothing out of it. The jewelry store has no phone number or email to contact them just their address on the receipts and they still chose to side with them. BEWARE USING YOUR CITI CARD OUTSIDE THE UNITED STATES BECAUSE THEY WILL NOT HELP OR SIDE WITH YOU. read more

Today December 29th 2025 I received my credit card statement from september!. Fortunately I had paid them off in October when I didn't receive my statement and I looked at my bank payment and realized I needed to pay. I called customer service. The call center was so busy they had to call me back in 45 minutes. I literally could not understand the representative I was speaking to. That's because they're in india!. Hopefully they'll be able to send me my October statement sometime in January 2026!. I would like to see the zero balance!. You've been warned people!. read more

Horrible customer service. I spoke to 4 representatives within a span of a half hour and none of them could answer my questions. All representatives have thick accents and waste so much time repeatedly saying, "That's wonder Mr...., very good Mr...., That's so helpful Mr...., etc.). On one incident, I told the representative how much my annual income was and she repeated it back to me as $15 million. I finally asked for a supervisor. Even the supervisor was shocked when she saw the data entry on my account stating I made $15 million annually. So frustrated with lousy customer service. DON'T CALL (888) 201-4523 THEY CAN"T HELP YOU. read more

DO NOT ENTRUST YOUR MONEY WITH CITIBANK. THEY WILL NOT PROTECT YOU. I got scammed and it falls under a scam fraud. Three other banks refunded my money with one phone call and with ease. Citibank despite writing the Better Business Bureau and various calls and letters refuses to refund my money. They are cold and have zero empathy. THEY DON'T care! My biggest wish is I never banked with them because any other bank would have fought for me to get my money back. SHAME ON YOU CITIBANK. ZERO STARS! Citibank sided with a scam artist which will ensure this scam artist keeps scamming others with zero consequences. I hate you Citibank!! read more

The Citibank card has the most deplorable customer service ever. I'm 61 years old, and I have experience with several credit card services. Citibank is far and away the worst I have experienced. Stay away, there are a lot of credit card companies that will provide good and responsive customer service. read more

Citibank Corporate cards are the worst P.O.S. card on the planet. Customer service by far worse than any other card I have ever held. If it was not the fact that it is issue by my Company, I would have cancelled them after their 1st major screw up. TO BE AVIODED AT ALL COST! read more

12/26/19 PRESIDENT/CEO CitiCards P O Box 6500 Sioux Falls, SD 57117-6500 ACCOUNT CLOSED FOR BAD SERVICE - 5466 16XX 3456 XXXX Make sure that the 3 credit reporting agencies are informed that this account was: 'CLOSED BY CONSUMER' Attention Citi President: Today 12/26/19, I phoned your customer non-service number 800 842 6596 and spoke to someone in India who was barely understandable. I wanted to have an increase from the $1,000 Credit Limit for this 5 year old card. After a considerable back and forth (due to poor English on the part of your rep) I think I was approved for a paltry $2,000 limit. I told the rep that this was an insulting amount for a card of 5 years. The rep asked if a credit report could be pulled and I said 'yes'. After a bit I was asked my income and I provided it, then I was asked how much I paid monthly for a mortgage or rent. My reply was that I paid neither as I owned my home. Apparently no one in India can understand that people here in civilization own their own homes and we went around the bush 4 times with the same question and the same answer. Pull the recording of the conversation and listen to it. I have owned my homes for over 25 years. I never had a mortgage or rented during this period. I was on the phone for 48 minutes, the last 4-5 was for my telling the rep to close my account. This was done. The cut in half card is enclosed. Make sure that the 3 credit reporting agencies are informed that this account was: 'CLOSED BY CONSUMER'. W Harris read more

Card had to be replaced. Took over two weeks to be told that they would FedEx a new card overnight. Keep being told it would arrive tomorrow. The cheap company could have FedEx it in the first place. This is only part of the story. Had to deal with 5-6 people to finally resolve my issue of unauthorized charges. Most were very hard to understand, very frustrating. read more

Like others, Citi lowered my credit limit and damaged my credit. When I complained they cancelled my card and locked me out of my online access so that I can't review my past purchases. I will never use Citi again. Very disappointed in Costco for partnering with this terrible credit card company. read more

Citibank credit card is the biggest rip-off !!!!!! I have been trying to pay off this card for several years. I NEVER use it anymore. The balance seems to increase each month! For example, my minimum monthly payment is $195.00 and the monthly interest is $112.88 !!!! I can get a better deal from a loan shark! DO NOT use this bank for ANYTHING! On a side note, I read they got fined millions of dollars in 2020 for longstanding internal problems. read more

Beware of this company. They stole from me, they may steal from you! I purchase a product online, but it was never sent to me, nor was my money refunded. I disputed the charge with Citi Cards, but Citi Cards failed to issue me a credit for the money I was due. This was a large amount of money that I could not afford to lose. Citi Cards even charged me interest on the money that they stole, after saying that there would be no interest charge. As a result, Citi Cards cannot be recommended, under any circumstances. Do business with them at your own risk. I will never use their card again! read more

My credit score is close to 800. Citicard has been the only credit card I have for over 30 years. Now the customer Service is really unprofessional, incompetent, and rude at times, not to mention it's hard to understand what they are saying. Please do better Citi. Considering leaving... read more

This used to be a well run operation. In recent years, the operation has fallen apart. They process payments in a very slipshod way. The customer service has been outsourced to India and the Phillipines. Buyer beware. You will be aggravated and infuriated at these goobers. Not recommended. read more

Because of this card I am switching to Sam's Club from Costco. I am 76 years old and have always paid on time but last month I made a mistake on my bank account info. and my payment was returned (not, for lack of funds). Before it was returned I called them and made another payment so my account was never past due. They even promised to refund the $29 returned payment fee. Since then they have blocked my account completely (now almost a month) even though I have called them three times. I made an additional payment of $800 which they are holding now for 8 days and will not post until March 25th. All this and my account was never in arrears? Their customer service agent today said, "that's our policy and there is nothing you or we can do". So Costco loses a customer. Great card!! read more

Don't waste your time! It simply is not worth the effort! For starters, I applied for a card on 1/2/18 and was immediately approved. The amount was only $3800, but that was OK, for now. They said they mailed the card on 1/5/18, but that's when the fun began. Their credit card operations department never bothered to test their system to make sure that an address entered would fit on the printout line for, at least, the mailing label. It took until 3/13 until we actually got the cards in hand, and it took five phone calls with a deep investigation that we were who we claimed to be to speak to anyone to try and get the problem resolved (we didn't know what the problem was and they wouldn't tell us). We have other cards, with better rewards for some purchases, but none that give 2% rewards on everything. That's why we wanted the citicard - for more rewards on items not covered with 5% rewards elsewhere. After getting the cards, we thought the troubles would be over. Nope... We attempted to to use the citicard SEVEN times and it was declined THREE of them. We went to get some new tires on the car, DECLINED. Called them up the next morning, absolutely livid!!! They apologized up down and sideways. The next day we went to a resort on the coast for our 40th anniversary... DECLINED!!!!! Stopped at a restaurant on our way home, less than $30... DECLINED!!! They DO have an extremely fine sales prevention department, but when it comes to customer service, they are the worst company to deal with that I've ever encountered. They are incapable of texting to Xfinity cell phones or calling Comcast land lines. We are paying off the bill and firing them. read more

Today--- October 1st 2020,-- a Citicard billing statement for September 2020 arrived-- which we have STOPPED using this credit card --the CITIcard SINCE JUNE 20th--therefore, there should NOT be any new charges at all!! And yet, there were AGAIN two unrecognized charges from Walmart as of Sept. 9th and 10th respectively. We CANCELLED our Walmart account since JUNE 20th 2020! I told a Walmart repreasebtative to CANCEL our account because someone has been illegally using our CITIcard Please we have been communicating in ENGLISH--we ddid not use any other language in any of our correspondence at all. TWO MONTHS LATER after entirely STOPPING using this card:- How could anyone still charge for something from Walmart and the amount showed up on the statement for the new unactivated card?? In short we have NEVER activated this new number from CITICard at all!???!! --REPEAT :_ we have NEVER ACTIVATED the NEW replacement citicards--that were meant to replace our previous cards that were cancelled-- And we cancelled the Walmart account since June 20th, 2020. Does that meant the person(s) using fraudulently work at Walmart? IF NOT, Why does this most recent CITICARD-statement have these two Walmart charges --when we NEVER intend to ACTIVATE the new card till this pending problem of someone fraudulently using our card is resolved??? We had better cancel our CITIcard entirely before someone continues to use even this UNACTIVATED card with the replacement and new numbers again. read more

They will not cover your rental car any longer, but even when they did before, what's the point? They would do everything in their power not to pay in case of an accident. Their customer service/dispute department is a mess, very unhelpful. They will not be on your side, but rather on the merchant's side. Very unclear, confusing process! They don't send messages directly to your inbox, or in some cases don't even tell you there is a message, like all other cards do, you have to log in into their website and go through layers of menus to find an important message you have been waiting for. Their reps speak with heavy accent. They charge foreign transactions fees. Enough, Citibank, I am closing all my accounts with you, after 20 + years of being a customer, go find fools elsewhere to join - not me read more

They don't want my business anymore, after 12 years. Disappointed with CitiCards. I have been a model customer since 2005, paying off my balance every month, on time or early. I had a large credit line (over $40k) and was designated as a Flexible Spending Account, meaning I could go over the limit if needed. I got notice that my account, a Hilton Honors credit card, was being sold to AMEX and the benefits reduced (no more automatic Diamond Membership in the HHonors Club). I called and told them I wanted to convert my card to a "no-membership, no-fee card" to retain my age of account and history with them, and THEY SAID "NO CONVERSION IS AVAILABLE!" They did say I could apply for a new Citi Card but I'd lose my age of account (which is very important on your credit report). These guys really give me no reason to stay with Citi, and I don't want an AMEX Card at the same annual fee but lesser rewards...so I closed my account. My credit rating today is 858. If it goes down due to this cancellation, I'm going to rant about it everywhere I can. Impeccable credit, pays on time or early, and they offer me NO OPTION to even stay with them. I won't do business with them again, and you should consider someone else, too. read more

15 year customer REFUND?? REALLY? Does DirecTV owe you a refund? How do you expect them to treat you? Beware, of how DirecTV and Citibank treat their customers! I have already spent an hour and given them conflicts amounts of information attempting just to get a simple check not a Citi debit card. Read all the terms and fees and disclosures! Notice the countless hoops you have to jump through talk to call centers in the Philippines etc. etc. This is what you have to go through to get a refund of the money they owe... read more

Citibank and Citicards - Banks & Credit Unions Near Me

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I would give a -2345 if I could! Hold times are ridiculous. Not my problem you courted Costco. I am trying to call in payments and on hold for almost an hour! Maybe I will not pay my card and THEN you will call me I bet! SMDH - Pull your out of your backsides and get the team on board! I even called another number I have for a related Citi backed card.... they can not help me! I call My Amex and they answer immediately! SHAME ON YOU! read more

Worst credit card site on the internet. It is soooo slow, you could walk to NY and pay your bill in person because their on line bill pay is sooo bad and I don't believe that the powers the be care. If they did, they would improve it. I use it for COSTCO but NO WHERE else because it is a pain in the rear to pay the bill on line. I am sorry that COSTCO changed their bank cards. read more

Worst Credit card company in my opinion. Even their supervisor could not & cannot waive a late fee of $20, because of their FAULT. Even with their fault of not sending statements and even after speaking to them to get the amount due of $119, I was able to electronically sent them a bank check which they received on exact due date, they charged me $20 late fee, because they processed the check 2 days later. Even after giving them a very clear verbal picture of what happened & the fact I have NEVER been late, they rejected my request. I am NO LONGER GOING TO USE THEIR CARD. read more

They keep denying my purchases because I'm just close to my crummy credit limit. They take forever to recognize a payment once it is made. They never should have solicited my business in the first place. Worst credit card I ever had. Forget about the 2%-they suck! This isn't just bitterness, I know when something sucks!! read more

The company often has their app go down at inconvenient times. They've already awarded then stolen back hundreds of dollars from me (I've spent well over 10,000 on my card, and paid it off religiously). Do not use. I'm surprised Costco is willing to partner with such a scummy company read more

Do not get a Citibank credit card. The company closed my account despite being with them years, several credit lines and a business bank account . I was never late on payments. I made several extra payments through their automated system. The bank accounts were recorded incorrectly even though the system said my payments were processed. Rather than work with me they cancelled my card without notice. TheE were payments above and beyond my normal monthly obligations that were always paid on time. I guess the company doesn't like it if you try to get out of debt sooner than later. They don't appreciate having a great customer. I will not do business with them ever again read more

Citicard. I owed $24. I sent a check that was stolen somewhere after I put it in the mail. I found out a month later when I got a bill for $49. I called and got a filipina. No, they would not drop the late charge [double the amount of original]. I cancelled that card. These cards practice usery. I do not have a history of late payments. They doubled the bill after a month. screw them. read more

Citicards has the most *horrible* customer service. Their credit card dispute division refused to give me credit for a product I never received. Choose another bank for your services. read more

I applied for the Citi Premier MasterCard. I have flawless credit and FICO scores ranging from 835 to 850. I have no debt except for about 150k on a house worth $800,000. We have no balances on any credit cards, including a Citbank Double Cash MC which we've had for over a decade. We pay off our credit cards every month and have for the past 35 years. Income is $230,000/year. Assets are several million. I was declined due to having applied for another credit card the same day. We wanted two travel cards with one as a backup, hence the second application. Note that this is the first time in over 7 years we've applied for credit. After we complained to the company, they finally agreed to open an account, but made the limit 2000. This is ridiculous. The requirement for the bonus points for this card is that you spend 4000 to earn them. Kind of tough to do with a lousy 2000 limit! Why they treat long-time, loyal customers like us so poorly is beyond me. Their policies are ludicrous and a 2000 limit is like a joke - what use is a card with this tiny little limit? We are closing ALL of our Citibank accounts immediately. We get treated MUCH better by Chase. We are DONE with Citibank. PERIOD. read more

Poor customer service. Crude web portal. Multi-tier phone menu that goes to a black hole. Customer service takes a back seat. Like many companies nowadays, profits are all that matter, and a the best way to increase profits is to decrease customer services. We are forced to use Citi for our company, since they were the low bidder. If you are serious about your business, don't think that the lowest price always the best. Do not choose Citi for anything. read more

Worst credit card ever! The website is the most difficult to even get into. I lost my card and it took almost 2 weeks for the new card to get to me. Then signing on took 3 attempts since they kept saying the username and PW were wrong, yet when I tried a different approach, via google log in was accepted, how does that happen? (rhetorical).......customer service is nice but useless when it come to helping. read more

Stay away from this firm. I had 2 deaths in my family in February 21. I was charged a late fee for not paying my credit card on time. They proceeded to have their debt collection department call me. I explained my circumstances to the rep and asked for a fee waiver for the late fee. I was declined. This company is heartless and prey on down trodden individuals. Hope they become a casualty in the near future. read more

Citibank was great with my double rewards credit card for about 4 years. I always paid on time more than the minimum payment! I started with a low credit limit and built it up over 4 years. I was never late or delinquent. They are making lots of money on me on interest. All of sudden, they decided to lower my credit limit during the Pandemic during these difficult times for no good reason! This shows poor judgment and a lack of loyalty or respect for me as a customer. I'm tired of calling their off shore call centers in the Philippines and India! None of the other credit card companies I deal with have pulled this dirty trick on me. I will pay Citibank off and never do business with them again unless they restore my credit limit and put it back to where it belongs! I worked very hard for it! I would like to hear back from a representative of Citibank Credit Cards. read more

Truly a terrible company run by garbage humans. I hope everyone remembers how Citicards treated thousands, if not more loyal customers during the Covid-19 crisis. Lowering credit limits without reason and damaging credit scores. Nice way to treat people in a time of crisis. I will never use a Citicard again. There are plenty of other credit cards companies out there actually doing the right thing. I urge anyone looking to open a Citicard to look elsewhere. read more

All the 1* reviews posted here are true. Citi Credit Cards does not protect the customer but the merchant! Citi Credit Card customer service is non existent. Citi does not deserve you. Just go to a better bank! read more

I applied for an received an aadvantage citi card. I expected 40K miles after spending $2,000 in 3 months - which I exceeded-. I did not get the miles. They said I had an existing card that I didn't close until December 2016, so it was less than 24 months when I opened a new card in October 2018. There is no sign of this card on my credit report. I cancelled the new card. They didn't seem perturbed. btw I have 750,000 miles with American. I'm genuinely confused why they would do this. If they thought I didn't qualify for the deal why didn't they tell me at the time? When I explained that I did and they had faulty info why wouldn't they review? This isn't complicated . They aren't making a huge amount of money scamming me .. so I do not understand why they do it .. read more

Went to change name on CC acct from wife (who recently died) to myself. They said no and instantly closed acct. OK, so I will gladly change banks but this acct is also due for payment and now cannot make payment online. So much for paperless billing. Called customer service - automated system with no option to speak to representative. Enter acct number and CC info - the system than transfers you to dead air and then hangs up. Not once but every time. Took more than an hour to find a number that has a human attached to it and they speak such broken English that it was completely impossible to understand. Finally found online chat to citi for help. Found out they already turned it over to probate/collections *before payment was due*. Didn't even give me a chance to clear up the balance. Couldn't they have mentioned this when I was on the phone to them to get name changed? Certainly will never deal with this company again. read more

I am so tired of poor customer service, no follow through and promises unkept. I was notified by Citibank of suspicious charges on my account. I verified they were fraudulent. They assured me that it would be removed and I wouldn't be responsible. I've had the card since 1994 and have NEVER had a late payment on this or any other account. Perfect credit. They issued a new card and the fraudulent charges transferred over because of an arrangement between the companies and Citibank. It was Netflix and Xbox charges. I have never used Xbox and my Netflix is billed to a totally different card. After Six phone calls , two of which they disconnected me, and over right hours on the phone....it is still not resolved. I owe nothing on the card so I don't make payments. They reported to the credit bureau that I was late on a payment (for these fraudulent charges) and my credit score dropped 100 points. From 840 to 740. I contacted Citi and after an hour And a half was told that they needed 45 days to complete their investigation. They said at that time they would remove the charges and notify the credit bureau that it was due to fraud on the account. Did they do that? No...of course not! It's been 55 days...charges are still on the account, still effecting my credit score and after spending another 45 min on the phone...only to be told I needed to be transferred to the security dept ( I pressed to be connected to the fraud dept) they cut me off Again!!! Do not do business with them!!!! I guess my only recourse is to get an attorney, which I will begin looking into next week. read more